Citi Credit Card Reviews & Ratings

A Citi credit card may just be the right card for you whether you are looking for a card with rewards or one with a long period of 0% APR on balance transfers and purchases. Citicards are one of GET.com's preferred choice of cards that can help you earn more air miles when you fly on American Airlines or earn free hotel nights at Hilton. What's more, most Citicards now have chip technology, which makes it safer against fraud. If you have good to excellent credit, take a look at these best Citicards in the market right now.

Citi® Double Cash Card – 18 month BT offer, a partner card, stands out because it lets you earn 2% cash back on your purchases (1% cash back when you buy, plus an additional 1% as you pay for those purchases). Now, that is a real opportunity to earn decent cash back just by being responsible with your card payments. Cash back can be redeemed for gift cards, checks, or statement credit. There's no need to enroll in cash back categories and there's no limit to the amount of cash back you can earn. You get a 0% intro APR for 18 months on balance transfers. After that, the regular 15.49% - 25.49% variable APR will apply (click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases). If you are looking for a card that earns you 2% cash back on your purchases with no annual fee, Citi® Double Cash Card – 18 month BT offer is the best option. Here's our review of Citi® Double Cash Card – 18 month BT offer.

Best Balance Transfer And Low Interest Card

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER

0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness

0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full

There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

The same great rate for all balances, after the introductory period

Save time when you call with fast, personal help, 24 hours a day – just say “representative”

Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.

0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.

Citi Simplicity® Card - No Late Fees Ever is a great card for people who want to do a 0% balance transfer to cut any existing debt. It comes with 0% intro APR on purchases for 12 months and balance transfers for 21 months, and after that, you will have a 15.99% - 25.99%* variable APR on purchases and balance transfers. You can transfer almost any kind of debt to this card, including student loans, car loans or store card debt. Citi Simplicity® Card - No Late Fees Ever can truly simplify your life - there are no late fees, no penalty APR, no annual fee, ever. So there's less worry for those times when you don't manage to pay on time. This card also comes with additional perks such as free extended warranty and retail purchase protection. We absolutely love the free Citi® Price Rewind benefit which searches for a lower online price on your registered purchases after checkout. Here's our Citi Simplicity® Card - No Late Fees Ever review.

Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*

Earn 2 AAdvantage® miles for every $1 spent at gas stations*

Earn 2 AAdvantage® miles for every $1 spent at restaurants*

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*

Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*

No Foreign Transaction Fees*

First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*

Enjoy preferred boarding on American Airlines flights*

Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*

Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*.

Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is designed to help you earn AAdvantage® miles just by using it for your everyday spending. As a welcome offer you can earn 40,000 American Airlines AAdvantage® bonus miles after making $2,000 in purchases in the first 3 months after account opening and 10,000 bonus miles after making a total of $6,000 in purchases in first 12 months of account opening. You earn 2 AAdvantage® miles for every $1 of purchases made at gas stations and restaurants. Plus you also earn 2 AAdvantage® miles for every $1 that you spend on eligible American Airlines purchases. But besides helping you get miles, this card also entitles you to special privileges when flying with American Airlines. For example, your first checked bag is free on domestic American Airlines itineraries. This free first checked bag benefit applies to you and up to 4 companions traveling with you on the same reservation, so your family can enjoy it too. Enjoy a $100 American Airlines flight discount after you spend $20,000 or more in purchases during your card year and renew your card and receive 25% savings when you use this card to make in-flight food and beverage purchases on American Airlines flights. You can use this Mastercard to pay at millions of merchants around the world, and it has no foreign transaction fees. There is a $99 annual fee (waived for the first 12 months). Find out more in our Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® review.

American Airlines AAdvantage MileUpSM Card is a great card to have if you want to earn AAdvantage® miles with a $0 annual fee. Earn 10,000 American Airlines AAdvantage® bonus miles and a $50 statement credit after you make $500 in purchases within the first 3 months of account opening. You can earn 2 AAdvantage® miles for each $1 spent at grocery stores (including grocery delivery services) and on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases. There is no cap on how many AAdvantage® miles you can earn! As an added perk, save 25% on inflight food and beverage purchases you make on American Airlines flights.

Citi® Secured Mastercard® gives you many of the benefits you might be used to from regular credit cards, including the freedom to use the card at any merchant or ATM which accepts Mastercard, complimentary travel insurance (including trip cancellation and interruption insurance), purchase protection and extended warranty. At the same time, it is a secured card, which means you pay down a security deposit (minimum $200) and receive a line of credit equal your deposit, up to a maximum credit line of $2,500. There is a 24.49%* variable APR, so avoid carrying a balance on this card. This is a good card to use if you need to build your credit, because monthly notifications are sent to the credit bureaus. There card has a $0 annual fee. Read our review of Citi® Secured Mastercard® here.

Costco Anywhere Visa® Card by Citi lets you earn 2% cash back on all other purchases from Costco (and Costco.com). But what makes this card really attractive is that you earn 4% cash back on the first $7,000 spent in gas purchases per year (1% thereafter). Plus you earn 3% cash back on restaurants and eligible travel purchases. All other purchases earn 1% cash back. This card has no foreign transaction fees and no annual fee, but you must be a Costco member to apply. Get more info in our review of Costco Anywhere Visa® Card by Citi here.

Citi® / AAdvantage® Executive World Elite™ Mastercard® is a more exclusive American Airlines credit card which lets you earn 10,000 Elite Qualifying Miles from American Airlines each year (January through December billing statement) in which you charge $40,000 of purchases to it. As a cardholder you get complimentary Admirals Club® membership with guest privileges, so you can relax in a lounge instead of being bumped around crowded waiting areas. When traveling with American Airlines on domestic itineraries, your first checked bag is free (for you and up to 8 companions traveling with you on the same reservation). Every 5 years you will receive a statement credit of up to $100 as reimbursement for your Global Entry or TSA Pre✓® application fee. Other benefits include an expert concierge service (24/7), 25% savings on eligible in-flight purchases when flying with American Airlines, and broad travel insurance coverage (trip cancellation & interruption protection, lost baggage protection, worldwide car rental insurance, worldwide travel accident insurance). When you successfully apply for this card and charge $5,000 of purchases within the first 3 months of account opening, you earn 50,000 American Airlines AAdvantage® bonus miles. You earn 2 AAdvantage® miles for every $1 of eligible American Airlines purchases. You also earn 1 AAdvantage® mile for every $1 you spend on other purchases. This high-end card has a $450 annual fee. Read our review of Citi® / AAdvantage® Executive World Elite™ Mastercard® here.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is an American Airlines credit card for businesses which already have an established credit history. Using this card to pay for your American Airlines bookings gives you solid benefits. You and up to 4 companions traveling on domestic American Airlines itineraries get your first checked bag free. You also get group 1 boarding on American Airlines flights, and save 25% on eligible American Airlines in-flight purchases. Every year in which you charge at least $30,000 to this card, you earn an American Airlines Companion Certificate ($99 domestic economy fare). When you use this card to pay for eligible American Airlines® purchases, you earn 2 AAdvantage® miles per $1 spent. You also earn 2 AAdvantage® miles for purchases from telecommunications merchants, car rental merchants, cable and satellite providers and at gas stations. Every dollar you spend on other purchases using this card earns 1 AAdvantage® mile. As a limited time offer, earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases with your card within the first 4 months of account opening. Business perks include online annual and quarterly account summaries and employee cards at no extra cost (you earn AAdvantage® miles for purchases made on employee cards as well). No foreign transaction fees. There is a $99 annual fee (waived for the first 12 months). Get more information in our review of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® here.

ExxonMobil™ Smart Card Private Label Credit Card. Get 6¢ off* every gallon with the ExxonMobil Smart Card at more than 11,000 Exxon™ and Mobil™ stations. There is no minimum purchase or savings cap and you will receive the rebates automatically as a statement credit on your billing statement. Get additional cards at no cost. Enjoy other benefits such as Citi® Identity Theft Solutions, $0 Fraud Liability, flexible payment terms and more. $0 annual fee.

Citi Premier℠ Card is a solid card that lets you chalk up points really fast when you use it for your travel purchases. As a bonus offer earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Earn 3X points on travel (including gas stations), earn 2X points on dining out and entertainment and earn 1X points on all other purchases. The points you earn are redeemable for airfare (on any airline), anytime and with no blackout dates porting events) and for dining out. So you can earn award travel during your leisure time as well. You earn 1 Expedia+ bonus point per $1 for other purchases charged to this card. Points don't expire and there is no limit to the amount of points you can earn with this card. There is a $95 annual fee which is waived for the first 12 months. Here's our Citi Premier℠ Card review.

Costco Anywhere Visa® Business Card by Citi is a great card to use if you are looking to earn cash back on your gas purchases. Earn 4% cash back on the first $7,000 you spend on eligible gas purchases at Costco every year, after that you will earn 1% for any additional gas purchases you make. Earn 3% cash back on travel purchases made through travel agencies including Costco Travel, such as hotel accommodations, airline tickets, travel bookings, and car rentals. You also earn 3% cash back for any purchases you make at fast food restaurants, restaurants, cafes, bars and lounges. On all other purchases made from Costco and Costco.com you earn 2% cash back. Earn 1% cash back on all other purchases. This card has a 17.24% variable APR on purchases and balance transfers. No annual fee. Read our review of Costco Anywhere Visa® Business Card by Citi here.

Pedro Pla is co-founder of GET.com. He has been around the globe several times and considers collecting air miles and points from credit cards to be a hobby, if not, an obsession. Email: p@get.com.

Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How We Rate Credit Cards

At GET.com we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.

Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.

Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.